Note the smaller emergencies bit, obviously I wouldn't start charging my life away. Anything that couldn't be covered in a month or two would come from IRA, why give up the tax free compounding interest if I don't have to. I suppose this could also come from a brokerage account other than IRA, but I haven't started any yet and also haven't looked into short term gains much.
There are better investment options than an IRA to use as an emergency fund. But that poses a bigger problem that emergency funds are ideally in a no risk account. Stock market has been up the past several months. But when you might need to tap into it, the stock market might be down.. way down.
You can re-contribute. But the money has to be put back in within 60 days of taking the distribution.
This would solve the CC problem.
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Focus on getting 5k or so into a dedicated emergency fund. Then onto more risky things to do with your money.
EDIT: I've had second thoughts.
Open a money market fund in your Roth IRA, and use that as your emergency fund. This will open up tax free investing space for you, as it is limited every year.